If you live in the Midwest, you already know this: it's very, very, extremely, downright absurdly cold out there. And things are only going to get worse as what weather experts call a "polar vortex" begins covering more and more of the country.

AUSTIN, Texas (AP) — An industry group says damage from this month's North Texas ice storm has reached at least $30 million in residential insured losses.Officials with the Insurance Council of Texas say the losses include downed trees hitting homes, broken pipes and other residential dam…